Loan Select Tablelands
First Home Advisor in the Tablelands
We’re a one-stop shop with hundreds of loan options available from across Australia’s leading lenders.
SUPPORT AT EVERY STEP
First Home Advisors Helping Tablelands Residents
Buying your first home is exciting, but it can also be overwhelming if you’re navigating the process for the first time. At Loan Select Tablelands, we guide first home buyers across the Tablelands through each stage with clear, practical advice.
We help you understand your borrowing capacity, prepare your finances, compare loan products from a wide range of lenders and navigate other roadblocks a first-time home buyer may face. Our support also includes guidance on government grants and schemes you may be eligible for. In addition to first home buyer loans, we also assist with property investment finance, construction loans, and personal loans, making it easier to plan your financial future.
We’re here to explain the process in plain terms, offer tailored advice and give you the confidence to move ahead. Call us on (07) 4091 4766 if you’re ready to take the first step and get in touch with one of our first home buyer advisors.
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STEP BY STEP SUPPORT
Helping You Get Started
We offer first-time buyers clear, practical support to help you make informed decisions about your first mortgage.
- Review of your income, savings & credit
- Assistance in calculating your borrowing power
- Information on grants & deposit schemes
- Explanation of different loan types & terms
- Pre-approval application guidance
- Ongoing updates from application to settlement
- Support coordinating with agents & solicitors
- Post-settlement check-in to ensure everything is on track
We take the time to answer your questions, guide your choices, and ensure you’re financially ready to move forward with confidence. We’ll never rush you through the process or leave you guessing. Instead, we aim to make your first home journey as clear and supported as possible.
Need Help?
Frequently Asked Questions
What government support is available for first home buyers in Australia?
Several programs may assist eligible first home buyers, including the First Home Guarantee (previously First Home Loan Deposit Scheme), which allows low-deposit buyers to avoid Lenders Mortgage Insurance. State-based grants or stamp duty concessions may also apply, depending on location and property value. Eligibility is based on criteria like income, citizenship, and whether you've previously owned property. These schemes can lower upfront costs, but conditions apply, so it's important to review the latest government information or speak with a qualified broker for personalised guidance.
How much can I borrow as a first home buyer?
Your borrowing capacity depends on your income, expenses, existing debts, credit history, and deposit size. Lenders typically offer up to 80% of a property’s value without Lenders Mortgage Insurance, but borrowing up to 95% may be possible with certain products or guarantees. The amount you can borrow also depends on current interest rates and the lender’s assessment of your ability to meet repayments. Using a borrowing calculator or seeking pre-approval can help estimate what you may be eligible for.
What are the upfront costs when buying your first home?
In addition to your deposit, first home buyers should budget for costs like stamp duty (if not exempt), legal or conveyancing fees, inspections, lender application fees, and mortgage registration. Some of these can be included in your loan, but many must be paid upfront. Government concessions or grants can reduce these costs, but eligibility varies. Factoring in these expenses early can help ensure you're financially prepared for your first property purchase and avoid unexpected shortfalls during settlement.
